---
schema_version: "secwatch.filing_event.v1"
accession: "0000706129-26-000060"
form_type: "8-K"
ticker: "HBNC"
cik: "0000706129"
company_name: "HORIZON BANCORP INC /IN/"
filed_at: "2026-07-22T20:06:47+00:00"
generated_at: "2026-07-22T20:09:22.245657+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horizon Bancorp Q2 net income $24.9M, EPS $0.49; NIM 4.37%, up from 3.23% YoY

## Summary
- Net income $24.9M ($0.49 diluted EPS) vs $20.6M ($0.47) in Q2 2025; pre-tax legal charge of $3.1M ($0.05) included.
- Net interest margin (FTE) 4.37%, up from 4.29% linked quarter and 3.23% YoY; net interest income $63.5M (+14.7% YoY).
- Annualized ROA 1.54%, ROTCE 18.05%; loans HFI grew 6.6% annualized linked quarter, commercial loans up $63.5M.
- Credit quality stable: net charge-offs 0.05% annualized; non-performing assets 0.66% of total assets.
- Book value per share $14.21, tangible book $11.06; total capital ratio 15.01% (preliminary).

## SEC filing metadata
- accession: 0000706129-26-000060
- form_type: 8-K
- ticker: HBNC
- cik: 0000706129
- company_name: HORIZON BANCORP INC /IN/
- filed_at: 2026-07-22T20:06:47+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/0000706129-26-000060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/706129/000070612926000060/hbnc-20260722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706129-26-000060
- JSON: https://secwatch.observer/filing/0000706129-26-000060.json
- Plain text: https://secwatch.observer/filing/0000706129-26-000060.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.